¹The average annual total returns reflect the reinvestment of all dividends and capital gains, and the deduction of investment management fees, expenses, and product-related insurance charges. The non-standardized returns listed above are based on the Guaranteed Minimum Death Benefit Option and Step-Up, and assume that no other optional benefits have been selected. If other optional benefits were selected, the contract value would be significantly lower. For these returns, we assume, hypothetically, that the contract was allocated to each underlying portfolio from the date that the portfolio was first made available through the separate account that supports your annuity contract. We also assume the maximum possible withdrawal charges. As disclosed in the prospectus, the maximum withdrawal charge is 8% of the amount withdrawn before the fourth anniversary of the purchase payment, reduced by 1% per year for the next three anniversaries, and declining to 0% thereafter.

²The SEC-standardized returns are based on the Base Death Benefit option and assume that no optional benefits have been selected. If optional benefits were selected, the performance figures would be significantly lower. The standardized returns are calculated from the date the portfolio was first made available through the separate account that supports your annuity contract. We also assume the maximum possible withdrawal charges. As disclosed in the prospectus, the maximum withdrawal charge is 8% of the amount withdrawn before the fourth anniversary of the purchase payment, reduced by 1% per year for the next three anniversaries, and declining to 0% thereafter.

An investment in the Prudential Series Fund Money Market Portfolio is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although the Portfolio seeks to preserve the value of your investment at $10.00 per share, it is possible to lose money by investing in the Portfolio. The yield quotation more closely reflects the current earnings of the Money Market Portfolio than the total return quotation. The seven day current net yield of the Money Market Portfolio is based on the maximum insurance and administrative cost of 1.75%.

¹The average annual total returns reflect the reinvestment of all dividends and capital gains, and the deduction of investment management fees, expenses, and product-related insurance charges. The non-standardized returns listed above are based on the Base Death Benefit option and assume that no optional benefits have been selected. If optional benefits were selected, the contract value would be significantly lower. For these returns, we assume, hypothetically, that the contract was allocated to each underlying portfolio from the date that the portfolio was first made available through the separate account that supports your annuity contract. We also assume that there were no withdrawal charges.

THIS MATERIAL MUST BE PRECEDED OR ACCOMPANIED BY A CURRENT PROSPECTUS AND PRODUCT MATERIAL (Product brochure/Information or Illustration). The standardized and non-standardized returns depicted above do not include the effect of charges for optional insurance features that may be available such as the guaranteed minimum income benefit, and if such charges were deducted, performance would be reduced.

^*The SP Technology subaccount was formerly known as SP Alliance Technology. The SP Goldman Sachs Small Cap Value subaccount was formerly known as SP Small/Mid Cap Value. The SP William Blair International Growth subaccount was formerly known as SP Jennison International Growth. The State Street Research Small Cap Growth subaccount was formerly known as SP INVESCO Small Company Growth. The SP LSV International Value was formerly known as SP Deutsche International Equity.

With respect to the SP Portfolios of The Prudential Series Fund, Inc., the Portfolio's investment manager (Prudential Investments LLC) is absorbing a portion of the expenses of certain portfolios. That expense absorption may be discontinued at any time. Absent such expense absorption, the performance quoted would be lower. Performance returns without the expense absorption are available without charge upon request from your variable life and variable annuity customer service call centers.

Strategic Partners^SM Annuity One offers a bonus or 'credit' that depends on the amount of the purchase payment and the age of the older of the owner or joint owner. If the elder owner is 80 or younger on the date that the purchase payment is made, then the bonus is equal to 4% of the purchase payment if the payment is less than $250,000, or 5% for a purchase payment of $250,000 or more but less than $1 million, or 6% if the purchase payment is $1 million or more. If the elder owner is aged 81 to 85, the bonus is 3%, regardless of the amount of the purchase payment. For purposes of these performance depictions, we assume only a 4% bonus is granted.

Strategic Partners^SM Annuity One 3 with the Base Death Benefit has an insurance and administrative cost of 1.50% annually. If the optional Guaranteed Minimum Death Benefit Option - Step-Up is selected, the fee is an additional 0.25%.

Annuities have limitations and withdrawal charges. Your licensed financial professional will be glad to provide you with costs and complete details.

Strategic Partners^SM Annuity One 3 is a variable annuity issued by Pruco Life Insurance Company (except in New York, where it is issued by Pruco Life Insurance Company of New Jersey) and distributed by Prudential Investment Management Services LLC (member SIPC). Both Pruco Life companies are located at 213 Washington Street, Newark, New Jersey 07102-2992, and Prudential Investment Management Services LLC is located at Three Gateway Center, 14th Floor, Newark, NJ 07102-4077. All are Prudential Financial companies. Each company is solely responsible for its own respective financial conditions and contractual obligations. Prudential Financial and the Rock logo are registered service marks of The Prudential Insurance Company of America, Newark, NJ, and its affiliates.

The Prudential Series Fund investment portfolios are available to the public only through variable life and variable annuity contracts. The performance of these portfolios is not related to that of any other retail mutual funds, despite any similarities in their names, investment objectives or policies.

^†This document is in Adobe Acrobat format and requires the Adobe Acrobat Reader 3.0 (or later) plug-in for viewing. Obtain the plug-in and instructions for installation free of charge.

SPHB1 IFS-A087121
Edition 11/2004